Consumer Compliance Guidance and Policies

Community Reinvestment Act

CONSUMER LOANS

CREDIT REPORTING

DATA PROTECTION AND SECURITY

DEBT COLLECTION

DEPOSITS

FAIR LENDING

FLOOD INSURANCE

HOME EQUITY LINES OF CREDIT

Mortgage Loans

SUPERVISORY

Artificial Intelligence

Community Reinvestment Act

CONSUMER LOANS

Credit Reporting

Debt Collection

Deposits

Fair Lending

LIBOR TRANSITION

Mortgage Loans

Small Business Lending

Supervisory Guidance

COVID-19 Pandemic-Related Guidance

Community Reinvestment Act

Consumer Loans

Debt Collection

Disclosure Computational Tools

Fair Lending

Flood Insurance

Libor Transition

Mortgage Loans

Regulation D Savings Deposit

Remittance Transfers

Rules Regarding Availability of Information

Student Loans

Supervisory Guidance

Alternative Data

Community Reinvestment Act

Consumer Loans

Debt Collection

Flood Insurance

Mortgage Loans

Prepaid Accounts

Regulation CC

Remittance Transfers

Community Reinvestment Act

Consumer Loans

Fair Credit Reporting Act

Flood Insurance

Mortgages

Prepaid Accounts

Privacy

Regulation CC

Arbitration Agreements

President Signs Resolution Nullifying Arbitration Agreements Rule

Final | November 1, 2017

CFPB Issues Small Entity Compliance Guide for Arbitration Agreements
Rule

Small Entity Compliance Guide | September 15, 2017

CFPB Issues Arbitration Agreements Rule

Final | July 10, 2017

Community Reinvestment Act

Annual CRA Asset-Size Threshold Adjustments for Small and
Intermediate Small Institutions

Final | December 21, 2017

Agencies Amend CRA Regulations to Conform to HMDA Regulation Changes
and Remove References to the Neighborhood Stabilization Program

Final | November 20, 2017

Agencies Propose Amending CRA Regulations to Conform to HMDA
Regulation Changes, and Remove References to the Neighborhood
Stabilization Program

Proposed | September 13, 2017

2017 List of Distressed or Underserved Nonmetropolitan Middle-Income
Geographies

Final | June 21, 2017

Updated Section 109 Host State Loan-to-Deposit Ratios

Final | June 21, 2017

Consumer Loans

Federal Reserve Board Seeks Public Comment on Proposal to Revise
Regulation M

Proposed | December 18, 2017

2018 Thresholds in Regulations Z and M for Exempt Consumer Credit and
Lease Transactions

Final | November 8, 2017

CFPB Issues Payday, Vehicle Title, and Certain High-Cost Installment
Loans Final Rule

Final | October 5, 2017

Mortgages

Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size
Exemption Threshold

Final | December 27, 2017

Truth in Lending Act (Regulation Z) Adjustment to Asset-Size
Exemption Threshold (Escrow and Small Creditor)

Final | December 27, 2017

CFPB Issues Official Approval of Redesigned Uniform Residential Loan
Application that Includes Identification of Language Preference

Official Approval | November 20, 2017

2018 Threshold for Exempting Small Loans from the Appraisal
Requirements for Higher-Priced Mortgage Loans

Final | November 9, 2017

CFPB Issues Interim Final Rule to Help Mortgage Servicers Communicate
with Certain Borrowers at Risk of Foreclosure

Interim Final Rule | October 4, 2017

CFPB Issues Proposed Rule Modifying Timing Requirements for
Bankruptcy Periodic Statements

Proposed | October 4, 2017

CFPB Finalizes Amendments to ECOA (Regulation B) Ethnicity and Race
Information Collection

Final | September 20, 2017

CFPB Proposes HMDA Policy Guidance Describing the Loan-Level Data the
CFPB Proposes to Make Available to the Public Starting in 2019

Proposed | September 20, 2017

2018 Truth in Lending Act (Regulation Z) Annual Threshold Adjustments
(Credit Cards, HOEPA, and ATR/QM)

Final | August 30, 2017

CFPB Finalizes HMDA Amendments to Clarify Certain Requirements and to
Temporarily Increase the Reporting Threshold for Open-End Lines of
Credit

Final | August 24, 2017

CFPB Proposes to Temporarily Raise the HMDA Reporting Threshold for
Community Banks and Credit Unions

Proposed | July 14, 2017

CFPB Finalizes Updates to “Know Before You Owe” Mortgage Disclosure
(2017 TILA-RESPA Rule)

Final | July 7, 2017

CFPB Proposes Amendments to Federal Mortgage Disclosure Requirements
under the Truth in Lending Act (Regulation Z)

Proposed | July 7, 2017

CFPB Issues Technical Corrections to the 2016 Mortgage Servicing
Amendments

Final | June 27, 2017

CFPB Issues Policy Guidance Regarding Early Compliance with the 2016
Mortgage Servicing Amendments

Policy Guidance | June 27, 2017

CFPB Requests Comment Regarding Ability to Repay/Qualified Mortgage
Rule Assessment

Notice and Request for Comment | May 25, 2017

CFPB Requests Comment Regarding 2013 RESPA Servicing Rule
Assessment

Notice and Request for Comment | May 4, 2017

CFPB Proposes Clarifications to the Home Mortgage Disclosure
(Regulation C) October 2015 Final Rule

Proposed | April 13, 2017

CFPB Proposes Amendments to ECOA (Regulation B) Ethnicity and Race
Information Collection

Proposed | March 24, 2017

Prepaid Accounts

CFPB Issues Statement Regarding Intention to Amend Prepaid Accounts
Rule

Statement | December 21, 2017

CFPB Seeks Comment on Proposed Updates to Prepaid Accounts Rule

Proposed | June 15, 2017

CFPB Finalizes Effective Date Extension for Prepaid Accounts Rule

Final | April 20, 2017

CFPB Proposes Effective Date Extension for Prepaid Accounts Rule

Proposed | March 9, 2017

Regulation CC

Federal Reserve Board Finalizes Amendments to the Check Collection
and Return Provisions in Regulation CC

Final | May 31, 2017

Federal Reserve Board Proposes Amendment to Regulation CC’s Liability
Provisions

Proposed | May 31, 2017

Remittance Transfers

CFPB Requests Comment Regarding Remittance Rule Assessment

Notice and Request for Comment | March 17, 2017

Remittance Transfer Rule Compliance Guide, Version 4.0

Small Entity Compliance Guide | January 31, 2017

Small Business Lending

CFPB Request for Information Regarding the Small Business Lending
Market

Notice and Request for Information | May 10, 2017

CFPB Whitepaper on Small Business Lending Landscape

Whitepaper | May 10, 2017

Community Reinvestment Act

Annual CRA Asset-Size Threshold Adjustments for Small and
Intermediate Small Institutions

Final | December 29, 2016

2016 List of Distressed or Underserved Nonmetropolitan Middle-Income
Geographies

Final | June 17, 2016

Updated Section 109 Host State Loan-to-Deposit Ratios

Final | June 17, 2016

Consumer Compliance Rating System

FFIEC Issues Uniform Interagency Consumer Compliance Rating System

Final | November 7, 2016

FFIEC Seeks Comments on Proposed Revisions to Uniform Interagency
Consumer Compliance Rating System

Notice and Request for Comment | April 29, 2016

Consumer Loans

2017 Thresholds in Regulations Z and M for Exempt Consumer Credit and
Lease Transactions

Final | November 23, 2016

Agencies Issue Proposal on Method to Adjust Thresholds for Exempting
Certain Consumer Credit and Lease Transactions

Proposed | July 22, 2016

CFPB Issues Proposed Rule on Payday, Vehicle Title, and Certain
High-Cost Installment Loans

Proposed | June 2, 2016

Credit Cards

Submission of Credit Card Agreements under the Truth in Lending Act
(Regulation Z)

Final | April 5, 2016

Fair Credit Reporting Act

CFPB Bulletin 2016-01, The FCRA’s Requirement that Furnishers
Establish and Implement Reasonable Written Policies and Procedures
Regarding the Accuracy and Integrity of Information Furnished to all
Consumer Reporting Agencies

Final | February 3, 2016

Flood

Agencies Request Comment on Proposed Private Flood Insurance Rule

Proposed | October 31, 2016

Mortgages

Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size
Exemption Threshold

Final | December 21, 2016

Truth in Lending Act (Regulation Z) Adjustment to Annual Exemption
Threshold (Escrow and Small Creditor)

Final | December 21, 2016

2017 Threshold for Exempting Small Loans from the Appraisal
Requirements for Higher-Priced Mortgage Loans

Final | November 23, 2016

CFPB Releases 2017 “Rural” and “Rural or Underserved” Counties
Lists

Final | November 17, 2016

CFPB Approves Use of New Uniform Residential Loan Application and
Collection of Expanded Home Mortgage Disclosure Act Information about
Race and Ethnicity in 2017 under Regulation B

Final | September 23, 2016

Amendments to the 2013 Mortgage Servicing Rules

Final | August 4, 2016

Safe Harbors from Liability under the Fair Debt Collection Practices
Act for Certain Actions Taken in Compliance with Mortgage Servicing
Rules

Interpretive Final Rule | August 4, 2016

CFPB Proposes Updates to “Know Before You Owe” Mortgage Disclosure
Rule

Proposed | July 29, 2016

Agencies Issue Proposal on Method to Adjust Threshold for Exempting
Small Loans from Special Appraisal Requirements

Proposed | July 22, 2016

2017 Truth in Lending Act (Regulation Z) Annual Threshold Adjustments
(CARD Act, HOEPA, and ATR/QM)

Final | June 17, 2016

CFPB Rule Broadens Qualified Mortgage Coverage of Lenders Operating
in Rural and Underserved Areas

Final | March 22, 2016

Prepaid Accounts

CFPB Issues Final Prepaid Accounts Rule and Launches Prepaid Rule
Implementation Page

Final | October 5, 2016

UDAAP

CFPB Bulletin 2016-03, Detecting and Preventing Consumer Harm from
Production Incentives

Final | November 28, 2016

CFPB Processes

CFPB Bulletin 2015-01, Treatment of Confidential Supervisory
Information

Final | January 27, 2015

Community Reinvestment Act

Annual CRA Asset-Size Threshold Adjustments for Small and
Intermediate Small Institutions

Final | December 22, 2015

Amendments to the List of Distressed or Underserved Nonmetropolitan
Middle-Income Geographies

Final | July 8, 2015

Amendments to Section 109 Host State Loan-to-Deposit Ratios

Final | June 29, 2015

Consumer Loans

2016 Thresholds in Regulations Z and M for Exempt Consumer Credit and
Lease Transactions

Final | November 25, 2015

CFPB Considers Potential Rulemakings for Payday, Vehicle Title, and
Similar Loans

Proposed | March 26, 2015

Credit Cards

CFPB Final Rule, Submission of Credit Card Agreements under the Truth
in Lending Act (Regulation Z)

Final | April 15, 2015

Mortgages

Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size
Exemption Threshold

Final | December 18, 2015

Truth in Lending Act (Regulation Z) Adjustment to Asset-Size
Exemption (Escrow and Small Creditor)

Final | December 18, 2015

2016 Threshold for Smaller Loan Exemption from Appraisal Requirements
for Higher-Priced Mortgage Loans

Final | November 25, 2015

CFPB Releases 2016 “Rural” and “Rural or Underserved” Counties
Lists

Final | October 28, 2015

CFPB Finalizes HMDA Amendments (Regulation C) and Announces HMDA
Regulatory Implementation Page

Final | October 15, 2015

CFPB Bulletin 2015-05, RESPA Compliance and Marketing Services
Agreements

Final | October 8, 2015

Truth in Lending Act (Regulation Z) Annual Threshold Adjustments (CARD
Act, HOEPA, and ATR/QM)

Final | September 21, 2015

CFPB Finalizes Amendments Relating to Small Creditors and Rural or
Underserved Areas under the Truth in Lending Act (Regulation Z)

Final | September 21, 2015

CFPB Bulletin 2015-03, Private Mortgage Insurance Cancellation and
Termination

Final | August 4, 2015

CFPB Finalizes Two-Month Extension of TILA-RESPA Integrated
Disclosure Rule

Final | July 21, 2015

CFPB Proposes to Delay the Effective Date of TILA-RESPA Integrated
Disclosure Rule

Proposed | June 24, 2015

Amendments to the Final Rule on Flood Insurance

Final | June 22, 2015

CFPB Bulletin 2015-02, Section 8 Housing Choice Voucher Homeownership
Program

Final | May 11, 2015

CFPB Interpretive Rule, Homeownership Counseling Organizations List
and High-Cost Mortgage Counseling

Final | April 15, 2015

CFPB Releases “Your Home Loan Tool Kit” to Replace Settlement Cost
Booklet

Final | March 31, 2015

CFPB Proposes Amendments Relating to Small Creditors and Rural or
Underserved Areas Under the Truth in Lending Act (Regulation Z)

Proposed | January 29, 2015

Amendments to the TILA-RESPA Integrated Disclosures Rule

Final | January 20, 2015